
- Remove tax-free cash from your property.
- Nationwide mortgages for over 65s – 4.17% MER rate
- Help your family to buy a house
- Free valuation
- Continue to live in your home.
- It could be used to help tax planning
- 4.17%
How much money can I get?
You can borrow 70% of your home’s value. For example, if your home is worth £310,000, you can release £217,000.

Difficult to finance home types include homes requiring essential repairs, age restricted properties, leasehold properties where the lease length is currently unacceptable, properties where the customer is offering only part of the title as security for the loan and properties owned under any form of shared equity scheme.

Tough-to-finance property titles can include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant, properties with any kind of structural defect, damp, dry or wet rot, some properties with sitting tenants or regulated tenancies, thatched buildings and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.

Challenging to finance property variants can include properties with outbuildings used for normal domestic purposes (garage, workshop, stables, barn etc), properties with grounds in excess of five acres, use of the land and any outbuildings for a small amount of personal commercial use., properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Difficult to finance home types can include properties with post-1945 asbestos or similar composition roof tiles, properties with any external treatment applied to the roof after construction, studio flats located within the M25, former local authority flats, and basement or lower ground floor flats without level access to private or communal garden space.

Hard-to-finance home variants can include timber-framed properties built before 1920, properties with pre-1945 asbestos or similar composition roof tiles, properties constructed or converted within the past 10 years, privately developed flats in blocks of five storeys or more, and basement or lower ground-floor flats with level access to private or communal garden space.
Nationwide later life mortgages

Downsides of Nationwide mortgages for over 65s and Nationwide mortgage interest rates
Lumpsum lifetime mortgages can reduce the inheritance for your family. A monthly payment lifetime mortgage may impact entitlements to state benefits. You may need to pay a broker’s fee, and you could be exposed to changes in interest rates with some products.
Wealthy business owners who could benefit from Nationwide mortgages for over 65s tax planning
- Licensed restaurants Malmesbury
- Manufacture of other general-purpose machinery n e c Higham Ferrers
- Production of essential pharmaceutical products Chard
- The casting of steel Watlington
- Manufacture of wire products, chains and springs Bourne
- Manufacture of other ceramic products n e c Longridge
- Manufacture of consumer electronics Farnham
- Manufacture of wooden containers Ottery St Mary
- Manufacture of wallpaper Knaresborough
- Technical and vocational secondary education Ashington
- Retail sale of electrical household appliances in specialised stores in North Hykeham
- Market research and public opinion polling Ferndown
- Satellite telecommunications activities Bishops Waltham
- Retail sale in commercial art galleries Arlesey
- Sale of other motor vehicles Wilmslow
- Activities of extraterritorial organisations and bodies Clevedon
- Growing of sugar cane Burntwood
- Retail sale of bread, cakes, flour confectionery and sugar confectionery in specialised stores in Boroughbridge

Tough-to-finance property variants include properties built on contaminated land, properties without a kitchen or bathroom, properties with structural problems, cob properties, and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget, and Woolaway.

Tough-to-finance property titles include properties built or converted into dwellings within the last 10 years, properties with grounds in excess of five acres, properties without direct access to an adopted highway or which are accessed over an unmade road, properties being used for personal commercial use, and properties in coastal areas that may be affected by erosion.

Nationwide mortgage rates
Tough-to-finance home titles can include flats of less than 30 square metres in any location, properties with grounds over five acres, agricultural use of the land and any outbuildings, properties using rooms, land or outbuildings for business purposes which are not personal to the borrower(s) or which extend to more than 50% of the property to be secured and properties which have been built on a previously contaminated land are acceptable provided the result of an environmental search determines the land to be clear of contamination.

Difficult-to-mortgage home types include Timber-framed properties constructed post-1965, properties with pre-1945 asbestos or similar composition roof tiles, properties with a minimum floor area of 30 square metres, privately developed flats in blocks of two storeys without a lift, and properties where the flat is accessed via a deck or balcony.

Does Nationwide do Equity Release?
Yes, Nationwide Equity Release is 5.17% APR.
More to Life Retirement Mortgages
What percentage can be released with Nationwide mortgages for over 65s?
The older you are and the more serious your illnesses, the more tax-free money you can release with Nationwide mortgages for those over 65.
- Best Mortgages For Over 50s Retirement Mortgage Age
- Tipton & Coseley Mortgage
- Nationwide Mortgages for over 60s Retirement Mortgages Reviews
Lifetime Mortgage Interest Rates Over 60
Understanding Lifetime Mortgages and the nationwide mortgages for over 60s
For those unfamiliar, a lifetime mortgage is a financial product that enables homeowners, typically of retirement age, to release the equity tied up in their homes without the need to move out. The “lifetime” aspect refers to the fact that the loan has no fixed term and does not require monthly repayments. Instead, the interest accrues, often on a roll-up basis, which means it’s added to the loan amount. It’s repaid when the homeowner sells their home, moves into long-term care, or passes away.
What is a Lifetime Mortgage and its Relevance for Over 60s
The primary attraction of a lifetime mortgage, especially for those over 60, is the opportunity to access a lump sum of money or additional income without uprooting from one’s home. This can be especially valuable for those who have seen their property value rise substantially over the years but have limited liquidity for living expenses, home improvements, or assisting family members financially.
LV Lifetime Mortgages and Equity Release
LV Lifetime Mortgage: A Premier Offering
LV, formerly known as Liverpool Victoria, is one of the top equity release companies in the UK. They offer an array of products tailored to suit various needs. The LV lifetime mortgage is popular for many over 60 due to its competitive interest rates and flexibility. With an LV lifetime mortgage, homeowners can opt for a lump sum payment or drawdown options, giving them access to funds as and when required.
LV Equity Release for Advisers and Intermediaries
LV understands the importance of professional advice in the equity release sector. Their dedicated platform for advisers and LV equity release intermediaries provides resources, tools, and support to professionals guiding their clients in making informed decisions.
The LV equity release contact number provides direct access to the firm’s experts for those seeking more direct engagement. It’s a testament to LV’s commitment to transparency and customer support.
Key Features of Lifetime Mortgages Over 60
Lump Sum Lifetime Mortgage
One of the main draws of a lifetime mortgage is receiving a large sum of money upfront. This lump sum payment can be used for various purposes, from home renovations to gifting to family members or travelling.
Flexible Lifetime Mortgage
Unlike traditional mortgages, a flexible lifetime mortgage lets homeowners borrow money in stages. This can be advantageous for managing tax implications or simply accessing money when required.
Equity Release Inheritance Protection
A concern for many when considering a lifetime mortgage is its impact on inheritance. Some plans, including offerings from companies like LV, offer inheritance protection. This ensures that a predefined portion of the property’s value can be safeguarded for heirs.
Interest Roll Up and Its Implications
As mentioned earlier, one of the features of a lifetime mortgage is the roll-up interest. This means that instead of paying the interest monthly, it’s added to the loan amount. While this eliminates monthly repayments, it also means that the amount owed grows over time. This can significantly reduce the equity left in the home when it’s time to repay the loan.
Equity Release Rates Over 70 and mortgages over 65
Deeper Dive into LV Equity Release
Liverpool Victoria Equity Release: A Respected Choice
With its long-standing reputation, Liverpool Victoria’s equity release products are designed to meet customer needs. Their rates, transparency, and customer support make them a preferred choice for many over 70.
Engaging with LV: Contact and Support for a remortgage nationwide
Whether you’re an individual seeking clarity or a professional adviser, reaching out via the LV equity release contact number or their platform for LV equity release for advisers ensures expert guidance.
Comparing Equity Release Products and Nationwide remortgage rates
Just Lifetime Mortgage vs One Family Lifetime Mortgage
Just and One Family are among the leading providers in the UK equity release market. While both offer lifetime mortgages, their terms, rates, and additional features might differ. It’s essential to compare these against LV’s offerings and others in the market to find the best fit.
Enhanced Lifetime Mortgages vs a nationwide remortgage
An enhanced lifetime mortgage considers the applicant’s health and lifestyle. Those with certain medical conditions might qualify for higher amounts or better rates, recognising the potential reduced life expectancy.
Home Reversion Plan vs Lifetime Mortgage
While both methods of releasing equity operate differently, a home reversion plan involves selling a portion of your home to a provider in exchange for a lump sum or regular income while still residing in the property. In contrast, a lifetime mortgage involves taking a loan against the property’s value, which is repaid later. Each has pros and cons; the best choice depends on individual circumstances.
Repayment and Implications
Can You Pay Off a Lifetime Mortgage Early?
Many providers, including LV, allow homeowners to repay their lifetime mortgage early. However, this might come with early repayment charges. It’s crucial to understand these charges and when they apply.
Equity Release Repayment and Its Impact
While the idea of releasing money from one’s home is appealing, it’s essential to understand the implications of repayment. This includes the impact of roll-up interest, potential charges for early repayment, and the effect on one’s estate and inheritance.
Final Considerations on Lifetime Mortgage Rates and Equity Release
Lifetime Mortgage Rates UK and the Importance of Advice
The rates associated with lifetime mortgages are critical in determining the final amount to be repaid. Understanding and comparing these rates across providers like LV, Just, and One Family is essential. It’s always advisable to seek lifetime mortgage advice directly from providers or independent advisers to navigate this complex landscape.
What the Future Holds: UK Lifetime Mortgage Trends
With an ageing population and rising property values, the demand for products like lifetime mortgages is set to grow in the UK. As more providers enter the market and products evolve, staying informed and revisiting decisions periodically can ensure that homeowners continue to benefit from the best terms and rates available.
- YBS Lifetime Mortgage No Payments
- Yorkshire Bank Equity Release Scheme
- Halifax Equity Release Interest Rates
- Nationwide Retirement Mortgage Comparison
Considerations When Opting for a Lifetime Mortgage
Mortgage for Life: Understanding the Commitment
When discussing a lifetime mortgage, one must grasp the full scope of the commitment. Labelled as a “mortgage for life”, it emphasizes the long-term nature of this financial decision. Once you embark on this path, the repercussions will remain with you for the remainder of your life or until you decide to sell your property.
Enhanced Life Situations and Enhanced Lifetime Mortgages
Your life situations, especially health-related conditions, can lead to a potential advantage when opting for an enhanced lifetime mortgage. As mentioned, individuals with certain health conditions may receive preferential rates, making the prospect more financially attractive.
The Role of Top Equity Release Companies in the UK
Given the rising popularity of lifetime mortgages and equity release products, several companies have established themselves as key players in this niche. Firms like LV have carved a reputation for their transparent and consumer-friendly offerings. When considering such a significant financial decision, relying on top equity release companies in the UK can provide an added layer of trust and assurance.
One Family Lifetime Mortgage: A Worthy Contender VS the Nationwide Best Mortgage Rates
One Family’s lifetime mortgage offerings stand as strong competitors in the market. By providing a range of products tailored to diverse needs, they’ve captured a significant segment of the UK audience. Like LV, their transparency and customer-centric approach have garnered respect.
Remortgaging and Lump Sum Payments – Nationwide when can I remortgage
When You Remortgage: The Lump Sum Question
For those considering a remortgage, the question often arises: “When you remortgage, can you pay a lump sum?” The answer typically is yes. Many opt for remortgage to secure a lower interest rate and make a lump sum payment towards the principal, reducing the overall debt.
Life Time Mortgages and Paying Off Early VS nationwide remortgaging
An essential factor to consider is the possibility of early repayment. Questions like “Can you pay back equity release early?” or “Can you repay equity release early?” are common. The option to make lump sum mortgage payments or to clear the debt ahead of schedule provides flexibility, but it’s vital to be aware of any penalties or charges that might apply.
Navigating the Complex Landscape of Lifetime Mortgages
Life Mortgages vs Traditional Mortgages – is remortgaging Nationwide the best plan?
While traditional mortgages require monthly repayments over a fixed term, life mortgages or lifetime mortgages operate differently. The interest typically rolls up, and the repayment is deferred to a later stage, usually upon the homeowner’s death, sale of the property, or a move into long-term care. It’s essential to contrast these two to appreciate fully the commitments and implications of each.
Release Money from Mortgage: Understanding the Process – When can I remortgage Nationwide?
Releasing equity or money from your mortgage means converting a part of your home’s value into cash. It’s a way to tap into the wealth stored in your property without selling or moving. The released funds can be used for various purposes, providing financial flexibility.
Set for Life Lump Sum: Weighing the Pros and Cons with a remortgage with Nationwide.
Receiving a lump sum payment can be enticing. It provides immediate financial relief and can be used to meet significant expenses. However, it’s equally crucial to understand the long-term implications, especially concerning the accruing interest and the eventual reduction in property equity.
Later Life Mortgage and Its Growing Popularity – Nationwide Mortgage offers
Later-life mortgages cater specifically to older homeowners, allowing them to tap into their property’s equity in their retirement years. With rising life expectancy and the need for financial flexibility in the golden years, products like the later-life mortgage are gaining traction.
UK Lifetime Mortgage: Trends and Future Outlook – the best mortgage rates Nationwide could be key
With an increasing ageing population, the UK’s demographic shift will likely spur further growth in the lifetime mortgage market. As property prices continue upward, many homeowners find themselves asset-rich but cash-poor. Lifetime mortgages solve this problem, enabling homeowners to maintain their lifestyle without compromising living arrangements.
Lifetime mortgages and equity release are vast and intricate. For those considering this path, thorough research and expert advice are paramount. Whether examining LV’s offerings, considering One Family’s products, or exploring the broader market, an informed decision will ensure that your financial well-being remains intact throughout your retirement.
A common question is, “Can I get a mortgage at 65?” Subject to your income, you can likely get a mortgage or remortgage with Nationwide.
- Barclays Retirement Interest Only Mortgage No Payments
- Lloyds Bank Equity Release From House
- Natwest Retirement Mortgage Interest Rates
- Bad Credit Mortgage Interest Rate
- BISF Equity Release Drawdown
- Natwest Equity Release Interest Rates
- Lloyds Lifetime Mortgage Fixed Rate
- Nationwide
- Age Partnership Comparison
- Natwest Lifetime Mortgage

Popular loan-to-value percentages of LVE mortgages over 70s, More to life retirement interest-only mortgages over 60, One Family mortgages for over 70s, YBS pensioner mortgages over 60, Principality Building Society interest-only lifetime mortgages for people over 60 and Axa later life interest only mortgages over 60 are 35%, 55% and 65%.
It’s common to find people looking for a monthly lifetime mortgage, monthly lifetime mortgage, or monthly payment equity release. However, Lifetime Mortgage from L&G, like Legal & General, are keen to see paperwork to show your circumstances in the form of pension statements.
Does Nationwide do Pensioner Mortgages?
Yes, Nationwide Pensioner Mortgages for over 65’s are 4.17% MER.
The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold flat with a share of freehold and if the resident is an Assured shorthold tenancy tenant.
Equity Release Loan To Value and Nationwide Equity Release
- 55% lumpsum lifetime mortgages. The Exeter Equity Release
- 30% LTV home reversion plans Coventry
- 55% loan to value home reversion plans Paragon Personal Finance
- 45% loan to value (LTV) lump sum lifetime mortgages Optimum Credit
- 25% loan to value interest-only lifetime mortgages, Darlington
Some of the most common loan-to-value percentage ratios of TSB lifetime mortgages for over 60s, Barclays help to buy for over 60s, Post Office mortgages over 70s, Legal and General equity release plans for people over 60, RBS mortgages over 70s and Nationwide BS interest-only mortgages for people over 60 are 40%, 55% and 65%.
Areas where Lifetime Mortgages and nationwide.mortgages are routine
- Eye
- Stotfold
- Alnwick
- Frome
- Lutterworth
- Thorne
- West Tilbury
- Ross-on-Wye
- Newquay
- Stourbridge
- South Kirkby and Moorthorpe
- Alton
- Northleach with Eastington
- Wirksworth
- Watton
- St Austell
Does Nationwide offer Retirement Mortgages?
Yes, Nationwide Retirement Mortgages are 5.17% MER.
- Canada Life Lifestyle Gold Flexi
- Liverpool Victoria LV= Flexible Lifetime Mortgage
- More to Life Capital Choice Plan
- Pure Retirement Classic Drawdown Lite Plan
- Stonehaven Equity Release Scheme
- Nationwide Interest Only Lifetime Mortgage
- Saga home reversion plan
- A mortgage over 65
- Bridgewater Lifetime Mortgage
- Canada Life Landlord Voluntary Select Plan
- L&G Legal & General Flexible Lifetime Mortgage
- Stonehaven Equity Release Scheme
- Nationwide Equity Release Schemes
- Bridgewater Equity Release Schemes
- Stonehaven Equity Release Plan
- Canada Life Equity Release Plans
- Hodge Equity Release Schemes
- Just retirement equity release key features
- Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
- NatWest Interest Only Lifetime Mortgage
- Royal Bank of Scotland Lifetime Mortgage
UK Equity Release Scheme Providers that compare with the nationwide mortgage rate
- Aviva
- Pure Retirement
- Key Solutions
- Legal & General
Does Nationwide offer Equity Release Under 55?
Yes, Nationwide Equity Release Under 55 is 5.17% APRC.
Nationwide mortgages for over 65s
Find out the lowest rates available from Nationwide. Because pension income is stable, lending to people over 65 is very low risk and attracts a tiny percentage of interest.
Locations of our head offices for a nationwide mortgage valuation
Nationwide Head Office Address – Swindon
Nationwide Building Society
Nationwide House
Pipers Way
Swindon
SN38 1NW
GPS/Geographical Post Code Only: SN3 1TA
Nationwide Administration Centre address – Northampton for the latest nationwide mortgage rates
Nationwide Building Society
Kings Park Road
Moulton park
Northampton
NN3 6NW
Portman House Bournemouth Administration Centre
Richmond Hill
Bournemouth
BH2 6EP
Standard retirement finance offerings are Lloyds Bank interest-only mortgages for people over 60, Barclays lifetime mortgages, NatWest retirement interest-only mortgages, L&G pensioner mortgages over 70s and Nationwide BS mortgages for 60 plus.
Does Nationwide do Lifetime Mortgages?
Yes, Nationwide does lifetime mortgages at 2.26% APR. Nationwide Lifetime Mortgages can have a loan-to-value (ltv) of 75%.
Does Nationwide do retirement remortgages for the over 65s?
Yes, a Nationwide retirement remortgage for retired homeowners over 65 is 5.17% APRC variable.
Does Nationwide offer pensioner remortgages for over 65s?
A Nationwide pensioner remortgage for pensioners over 65 is 5.17% APR fixed for life.
Does Nationwide offer later life remortgages for over 65s?
A Nationwide later-life remortgage for homeowners over 65 is a 5.17% MER variable.
Do Nationwide offer the best remortgage for retired for pensioners over 65?
Yes, Nationwide best remortgages for retired for the over 65s are 5.17% APR fixed for life.
Does Nationwide have remortgaging options for those over 65?
A Nationwide remortgaging option for homeowners over 65 is a 5.17% APR fixed for life.
Does Nationwide do a mortgage calculator for homeowners over 65?
Yes, Nationwide mortgage calculators for the over 65s shows 5.17% APR variable.
Does Nationwide do a RIO mortgage for people over 65?
Yes, Nationwide RIO mortgages for over 65s are 5.17% AER fixed.
Does Nationwide do a retirement interest only mortgage for over 65s?
Yes, Nationwide retirement interest only mortgages for people over 65 are 5.17% MER variable.
Last updated: January 24, 2025 at 9:51 pm
Updated: 15 day(s) ago
Today's date: February 9, 2025
Remaining days in the month: 19 day(s)
Property Metric | Value |
---|---|
Equity Release Over 55 | 4.43% |
Retirement Interest Only Mortgage (RIO) Income Required | 4.25% |
Interest Only Lifetime Mortgages | 4.35% |
Standard UK Residential Mortgage 2 Year Fixed | 4.16% |
Standard UK Residential Mortgage 5 Year Fixed | 4.03% |
Adverse Credit UK Residential Mortgage 2 Year Fixed | 4.88% |
Adverse Credit UK Residential Mortgage 5 Year Fixed | 4.74% |
Homeowner Loans | 6.38% |
Bad Credit Secured Loans | 9.49% |
Prime Car Finance | 4.4% |
Bad Credit Car Finance | 7.41% |
Average Number of Days for a House Sale to Complete | 83 |
Average UK House Price | £291200 |
Average UK House Price Per Square Foot | £264.73 |